Compayr
Surcharging on Visa, Mastercard and eftpos ends in 12 days — 1 October 2026.See what it costs you
Square logo

Square

No lock-inNo relationship

In-person payments

$680.00/mo

est. card acceptance cost inc-GST at $42,500/mo card volume ($616.25/mo ex-GST)

An all-in-one provider built around selling in person, with a free POS app, affordable hardware and a flat, transparent rate.

Typical use case: Cafes, retail and pop-ups that want an all-in-one till, hardware and a quick online store with no lock-in. (as positioned by the provider)

Pricing & fees

Card rate1.6% inc-GSTPublished rate
Monthly fee$0
Amex1.6% inc-GST
Setup fee$0
Hardware from$59.09
Chargeback fee$0
International cards0%
SettlementNext business day
ContractNo contract, you own the hardware, leave anytime.
Least-cost routingNo

Pros & cons

Flat 1.6% inc-GST in-person rate
Free chargeback handling ($0)
No lock-in, own your reader
Low-cost entry hardware ($65 inc-GST)
Flat 2.2% online costs more on large orders
Instant transfer costs 1.5%

Compare with alternatives

Zeller

Australian SMEs wanting a single flat rate, free business account and no monthly fees.

$595.00/mo/mo inc-GST

Tyro

Hospitality and retail wanting deep POS integrations and least-cost routing.

$577.25/mo/mo inc-GST

CommBank Smart

CommBank business customers wanting same-day settlement to their own account.

$467.50/mo/mo inc-GST

NAB

NAB business customers wanting bank-grade EFTPOS with interchange-linked pricing.

$513.75/mo/mo inc-GST

Westpac

Westpac business customers wanting EFTPOS Flex with sector-tuned plans.

$534.75/mo/mo inc-GST

Compare Square head-to-head

Square vs ZellerSquare vs TyroCommBank Smart vs Square
All in-person providersCompare my rate

Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest card processing costs. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-09-03. Confirm current pricing with Square. We compare one standard published plan per provider; promotional and individually negotiated rates are excluded. Some providers pay Compayr a referral fee if you switch through our link; this never affects our comparison, which is ordered purely on lowest estimated card acceptance cost.